今年到期信托约5万亿 未来信托违约或难再兜底
吉林信托相关信托产品未按时兑付的今年事件仍在发酵,一方面众多投资者要求银行和机构兜底,到期底另一方面业内不少声音反对刚性兑付。信托信托
对于类似事件,约万亿央行前日首次发声,违约提出“刚性兑付”现象有悖于“卖者尽责,或难买者自负”的再兜市场原则。
业内表示,今年今年到期信托或达5万亿,到期底信托公司面临越来越大的信托信托压力,像中诚信托那样有惊无险实现“刚性兑付”的约万亿幸运或难以重现。
本报讯 据报道,违约2012年,或难建行山西分行向部分高端客户推荐了吉林信托·松花江(77)号山西福裕能源项目,再兜该产品由建行山西分行代销和进行资金托管。今年
有产品违约5月仍未兑付
据悉,目前6期产品全部违约,其中第一期违约已超过5个月。该项目违约源于融资方山西联盛集团因巨债缠身无法按期偿款。
昨日,投资者邱女士(化名)对记者表示,截至目前,她投资的100万本金以及“承诺的”9.8%利息仍然未有着落。有投资者称,建行方面表示仍在“想办法解决”。但目前来看,这一项目的融资方山西联盛由于重组陷入胶着,暂无力回款,而能够吞下这10亿元的接盘方也仍未出现。
海通证券指出,2014年的到期信托大约对应2012年二季度到2013年一季度的发行量(5.3 万亿),这意味着2014年信托到期量较2013年增长超过50%。
其中,到期信托里又以基建信托和房地产信托最多。据海通计算,2014年基建信托到期量约1.4万亿,而根据用益信托网数据,5月到期信托约占全年的28%。此外,2014年房地产信托到期量约6335亿元,高峰在1季度和5月份。
业内人士普遍认为,今年到期信托的风险事件将会主要集中在房地产和去产能领域,其中中小开发商发行的产品以及煤炭、矿产类信托或会成为高危品种。
一方面是信托到期违约风险频现,投资者四处给银行施加压力要求刚性兑付,银行面临巨大的品牌和声誉风险压力。另一方面,业内也有声音表示,不管是信托产品还是理财产品,刚性兑付增加了金融体系的整体风险,引发了投资者和金融机构的道德风险。
央行称有序打破刚性兑付
前日,人行发布《中国金融稳定报告》称,理财产品“刚性兑付”现象有悖于“卖者尽责,买者自负”的市场原则,不仅助长道德风险,也抬高市场无风险资金定价,应在风险可控的前提下,有序打破刚性兑付,顺应基础资产风险释放,让违约事件在市场的自发作用下“自然发生”。
央行表示,部分行业、领域和地区的风险有所积累,流动性风险管理难度加大,同业、表外、理财等业务潜在风险应予关注。
(文/记者周宇宁 李婧暄) (中国新闻网)
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